Stocks edged higher in the third quarter, with the S&P 500 gaining about 2% and finishing September up 11.8% for the year. The bigger story was in bonds: the 10-year Treasury yield climbed from about 4.5% to 5.3%, and in September the Federal Reserve raised rates for the first time since July 2023, citing inflation that remains elevated…

As CEO and Managing Partner, Vlad brings more than 25 years of experience spanning accounting, finance, business advisory, and wealth management. For business owners and families in particular, that combination provides perspective that extends well beyond an investment account.

Please join us in welcoming Vlad Zagranichny to Legacy Financial Advisors. We’re glad he’s here!

In a recent study, 70% of the 800 plan sponsors polled did not recognize themselves as plan fiduciaries. It is critical that plan sponsors understand that they are indeed fiduciaries and that they further understand the responsibilities associated with this in today’s 401(k) environment.  

There have been a number of high profile court cases in recent years concerning the payment of death benefits from qualified 401(k) plans. Often the circumstances leading to these cases could have been avoided if Plan Sponsors were a bit more diligent in procuring and maintaining current versions of Participant Beneficiary Designation Forms.

The first quarter of 2026 has been a period of recalibration. After a strong 2025, the market met a "triple threat" of headwinds: surging oil prices, escalating Middle East tensions, and sticky inflation.

Maximizing your 401(k) contribution is a great way to save for retirement, lower your tax impact, and more. The IRS recently announced updated 401(k) contribution limits for 2026.

The third quarter of 2025 exemplified the U.S. economy's macro resilience, as equities notched broad-based gains amid a softening yet stable growth backdrop, Federal Reserve easing, and persistent inflation moderation. The S&P 500 rose 7.8% in July through September, extending its year-to-date advance to roughly 14% as of October 3—a solid performance driven by cyclical rotation and AI-fueled productivity narratives, even as policy uncertainties mounted.

A retirement plan generates large amounts of documentation that you, as Plan Sponsor, are responsible for organizing and maintaining. Various records must be retained for the life of the plan, including all Plan Documents, details on benefit eligibility, details on benefits paid, and a history of each employee’s salary and hours-worked.

Maximizing your 401(k) contribution is a great way to save for retirement, lower your tax impact, and more. The IRS recently announced updated 401(k) contribution limits for 2025.